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Ekonomia

Details, here is how pyramid companies blackmail citizens through "bailiffs", misuse data and openly violate the law

Details, here is how pyramid companies blackmail citizens through

Other details about the schemes with which microfinance is collected by the citizens are revealed. A few days ago the newspaper showed how various institutions in the country use private bailiffs to blackmail citizens over their unpaid debts. However, in the data published by the Commissioner for the Right to Information and Personal Data Protection, it is noticed that a record number of complaints are registered every year for non-banking institutions. Specifically, in the last year alone, out of 20 complaints submitted to the Commissioner, most of them are for microfinance. One of the institutions that has received the most complaints in the last three years is "IuteCredit". According to the data of the Commissioner, for this company have received over 5 complaints only in 2018. At that time a warning was given and a series of recommendations were given to it. But apparently microfinance does not implement the recommendations of controlling institutions either. The report states that a citizen accuses that this company has distributed her personal data to a private bailiff. The latter anonymously pressured her for the contract she has with Albtelekom. According to the document published by the Data Commissioner, this company has entered into an agreement with a private bailiff to collect the outstanding loans that its clients had. But, from the performed controls it has been evidenced that, "IuteCredit" has entered into this agreement without defining its conditions to the bailiff. So at no point is the storage of data for customers foreseen, nor is the extent of liabilities to be collected determined. On the contrary,

The number of complainants is increasing

Referring to the data of the Commissioner, only in the years 2018-2020 complaints were registered for 12 microfinance companies and for each of them the complaints were numerous. Meanwhile in 2020 the complaints are for "Credo.al", "Iute Credit", "Micro Credit Risk and Micro Credit Albania". For all four companies the complaint remains the same. According to the data, in addition to blackmailing private bailiffs, microfinance also sends letters to debtors for unpaid loans. Citizens report that in the few days since the installment expires, microfinance employees harass them with frequent phone calls and pressure. These companies themselves have specified on their information page that when a customer delays payments for more than two months, 72 phone calls and over 14 warning letters are sent to him and each of them has a cost that the client has to pay along with the late interest. As these kinds of pressures with private "bailiffs" have increased a lot, a few days ago the Chamber of Bailiffs raised the alarm on this issue. Through a public announcement, they asked the citizens not to fall prey to these blackmails by bailiffs who often appear without identity and with documents in violation of the law.